Affordable Group
Medical Insurance

When there are any changes affecting an insured member's coverage, please inform us through email EB.Life@allianz.com.my and include your intermediary in the email.

A pro-rated premium shall be refunded for any employee resignation and a pro-rated premium will be charged when a new employee joins the organisation after the policy commencement date.

Yes, change or upgrade of benefits can be done upon the policy anniversary/renewal, subject to our acceptance. It will be applicable across the same employee category.

Switch of employee category due to promotion or demotion is applicable if you inform us within 30 days prior to the benefits eligible date. A pro-rated premium will be charged or refunded.

If the Insured Member chooses to or is referred to be treated outside Malaysia by the attending physician, the hospitalisation and surgical benefits payable will be based on the reasonable and customary and medically necessary charges for such an equivalent treatment in Malaysia. The transportation cost to the place of treatment is excluded.

For overseas Out-Patient General Practitioner and Specialist Care, the benefits are payable based on the reasonable and customary and medically necessary charges for such an equivalent treatment in Malaysia, within the limits as stated in the Schedule of Benefits.

The cashless facility is provided as an option for GHS applications. If Out-Patient Clinical rider is selected, cashless facility is mandatory.

With cashless facility, the Insured Member can access panel hospitals and panel clinics without paying for admission subject to the limits specified in the Schedule of Benefits, including Non-emergency Out-Patient General Practitioner Care.

Yes, 'take-over' condition is applicable for Allianz EliteChoice. A copy of existing insurer's Schedule of Benefits, Member Schedule, current and last 2 years claims history are required for pre-approval take-over consideration. The period of cover must continue from the last due date of the policy from the previous insurer before any take-over can be granted. However, we reserve the right to decline any take-over application.